in line with income from investments, an increase in net premiums earned - net, and revenue from capital market products. Nonetheless, given one extraordinary item – an increase in retirement reserves

endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” concept and to provide smart personalized “Financial and Life Solutions” to the right customer at the

percent, with a Tier 1 capital ratio of 15.57 percent. Being aligned with our business strategies, all of the above endeavors allowed KBank and K Companies to meet business targets and at the same time gain

needs under the “Segment of One” while also placing emphasis on the offering of financial innovations and products, including those of the “Beyond Banking” realm, in order to deliver an excellent customer

Conglomerate’s capital adequacy ratio (CAR) according to the Basel III Accord was 17.63 percent, with a Tier 1 capital ratio of 15.25 percent. KBank has emphasized synergy with K Companies, strategic partners and

’ Life Platform of Choice”, we have upgraded our capability in data compilation and analytics, allowing us to understand and anticipate each individual customer’s needs under the “Segment of One” while

requirement. As evidenced, the B Conglomerate’s capital adequacy ratio (CAR) according to the Basel III Accord was 18.23 percent, with a Tier 1 capital ratio of 15.91 percent. All of the above endeavors and

mobile revenue decreasing 0.2% YoY and 1.1% QoQ. However, as the low-tier fixed-speed plans had been seized, we expect the pressure on ARPU to gradually ease. On fixed broadband business “AIS Fibre”, we

CONGLOMERATE (the Conglomerate) according to the Basel III Accord was 19.10 percent, with a Tier 1 capital ratio of 16.76 percent, remaining a sufficient cushion against risk, and greater than the Bank of

resolution of the Board of Directors’ Meeting of NEP Realty and Industrial Public Company Limited (the “Company”) No. 8/2019 held on 12 September 2019 approved the Company to sell machines to Pae Pack Company